The housing bubble has got to burst at some point, it simply cannot keep on going up as it is. We are lucky with out mortgage rate but funnily enough our monthly outgoing are very close to your £1170. We will be free of it by the time I’m 62 I think, so another ten years. I must check as I’m now thinking that it might be less.

We had to borrow more two years ago as we wanted more space, hence a bigger house in a village. It cost us a bit. Were a bit pinched for awhile. Still a bit tight on some things that used to be so so much cheaper.

We need more places for people to live. I think some buildings could be adapted for accommodation where fit for purpose, besides building new all of the time.